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NARPO News Magazine Nov 2015

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NARPO News Magazine Nov 2015 November 2015 | Issue 84 NARPO THE MAGAZINE OF THE NATIONAL ASSOCIATIONnews OF RETIRED POLICE OFFICERS 2015 Annual Conference Page 26 NARPO - the voice of retired police officers ‘To safeguard the rights of members and to promote measures for their welfare, with particular regards to pensions’ 2 NARPOnews Independent Financial Advice Has your bank stopped reviewing your investment portfolio? Do you feel your investments are no longer meeting your needs? Is the portfolio paperwork getting you down? Have your investment portfolio assessed by a professional adviser – FREE of charge. Here’s how it works: ✔ You can request a FREE assessment form by calling us on the number below ✔ When you receive the form, complete the details of your present portfolio and return the form in the freepost envelope provided ✔ One of our advisers will then review your investments and contact you within 28 days to discuss the information provided and your options. We will identify any investments that we consider may not be appropriate for your circumstances and explain the reasons why ✔ If you would like the adviser to assist you further, then a mutually convenient meeting can be arranged ONLY THE INITIAL INVESTMENT REVIEW IS FREE OF CHARGE – SUBSEQUENT ACTIONS UNDERTAKEN BY POLICE MUTUAL INDEPENDENT FINANCIAL ADVICE WILL RESULT IN REMUNERATION TO US BY FEE, EITHER DIRECTLY, OR FROM THE PRODUCT PROVIDER. WE WILL ALWAYS AGREE THIS WITH YOU IN ADVANCE. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAX ADVICE OR TRUSTS. Have your investment portfolio assessed by a professional adviser. We’re open from Call 0345 600 8996 9.00am - 5.00pm Mon-Fri Police Mutual Assurance Society Limited (PMAS) is an incorporated friendly society. Police Mutual Insurance and Financial Services Limited is a wholly owned subsidiary of PMAS registered in England & Wales No. 4560462. Registered office of each company is Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Calls may be recorded and monitored for training and quality purposes. Calls to 03 numbers usually cost no more than to geographic numbers (01 or 02) and are usually included in call packages, please check with your phone company if they are included in your package. NARPOnews - the voice of retired police officers IFA00057 INITIALS DATE INITIALS DATE 3 05 07 Message President’s from the review inside editor Front Cover: An eventful NARPO 20 26 Conference was held in Southport. Photographs show VJ Day Conference the NEC outside Conference Matters and a selection of Conference speakers. 09 Readers Letters 15 Conference Comments Mailing Information 19 Retired Officers - Who Cares? It is important that you notify NARPO HQ of any changes to your address as soon as possible. Please quote your membership number which is What’s on printed above your name on the envelope in which 22 NARPO News is delivered. Tel: 01924 362 166 (Disclosure) Order of 1997 and What’s in a Men’s Shed conform to the British Code of Advertising Practice. Articles 35 for you? contributed by the editorial staff may not be reproduced without permission in writing from The Editor. NARPO News is published by Book ‘em The National Association of Retired 41 Opinions expressed by authors and Police Officers (NARPO), services offered by advertisers are NARPO House, 38 Bond not specifically endorsed by Street, Wak efield, West the Association. Yorkshire WF1 2QP. 25 Years of Delivering Chief Executive Officer. The Editor reserves the right to refuse Tel: 01924 362 166 Humanitarian Aid to Romania info 45 or withdraw advertisements at his Fax: 01924 372088 discretion and does not accept Email: [email protected] liability for clerical or printer’s errors, although every care is taken to For further information about avoid mistakes. Advertisements in NARPO, its services, branches and Members’ small ads NARPOnews are accepted by the approved advertisers, please visit National Association of Retired Police our website at www.narpo.org 48 Officers only on the understanding that the advertisers warrant that the To facilitate a prompt reply when advertisements do not contravene contacting the office by email, the Trade Description Act 1968, please quote your membership the Sex Discrimination Act 1975 number or postcode. Time Out Puzzle and the Business Advertisements 51 Designed & Produced by © Wilson Design House 2015. www.wilsondesignhouse.com Email [email protected] 4 NARPOnews Help protect loved ones by pre-paying funeral costs Beat the price rise Pre-paying funeral costs can save SAVE £270 thousands of pounds in the future before 30th November The longer you put off pre-arranging your funeral, the more money your loved ones may have to find in the future. By 2021 the average cost of a funeral will be £5,438. If you purchase a Dignity Prepaid Funeral Plan today at £3,665, which is called the Pearl option and is Dignity’s most popular plan, and funeral costs increase at their current rate of 6.38% per year, by 2021 you will save yourself and your family over £1,700*. Regardless of how you decide to use the spare money you’ve not had to use for funeral costs, one thing is certain, with a Prepaid Funeral Plan from Dignity you will: • Not have to pay a penny more than you already have for services provided by the Plan • Continue living your life without the worry of ever increasing funeral costs • Avoid loved ones being left with a large and unexpected funeral bill • Ensure loved ones are well looked after by one of Dignity’s 1,140 owned or approved funeral directors. I am now in the happy You can pay for your plan in one lump sum, spread the full cost over 1, 5 or position of not having to even 10 years, or pay a deposit of your choosing and spread the balance with “worry, or indeed think, about monthly instalments. No matter which option you choose, the cost of the plan my funeral at all. I feel quite will be fixed. With plan prices set to rise on 1st December, if you buy now, secure that my wishes will be followed while still leaving my you’re guaranteed to save up to £270. children with the freedom to “ From the day you enquire about a Prepaid Funeral Plan from Dignity, to the fine tune the service as they wish, with no financial worries. moment your loved ones need Dignity, you’ll always be treated with care and Many thanks for your help. compassion. You’ll be given open and honest answers, and have someone to call if you need help or support as their award-winning UK-based Client Mrs Steele, Cheltenham Service Centre is open 24 hours a day, 7 days a week, 365 days ayear. For your no-obligation information guide about the Prepaid Funeral Plan from Dignity, contact Police Mutual today 0800 484 0245 and quote NAR07ND A few minutes now could help save you and your loved ones both money and worry in the years ahead. *2021 forecast based on the average increase of 6.38% each year between 2007 and 2014. PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No.1073408. Registered office: Alexander House, Queen Street, Lichfield, Staffordshire, WS13 6QS. For your security, all telephone callsNARPO are recordednews and -may the be voice monitored. of retired police officers 20523_Dignity_Narpo_Advert_S3.indd 1 15/10/2015 11:02 5 Editor’s message possible claim against them. The request for a The Police Treatments Centres have indicated Commutation discharge against GAD and the Home Office is that they will only treat retired members if they The question of the maladministration of both consistent with GAD guidance on settlements make a regular donation equivalent to half the Police and Firefighters Pension Schemes that I have seen. Naming the force or any that of serving officers. Treatment will be at the is coming to its final stages. Since the pension fund is unnecessary, but harmless. discretion of the charity, will usually amount to Ombudsman decision in the case of Mr Milne The first point to make is that any form of a one week stay only, as opposed to serving the Government has accepted that the case discharge is not called for. The Home Office officers who get two and we understand has implications for police officers who retired is obliged to pay the additional commutation serving officers get preference for treatment. In between 2001 and December 2006. New payment under the Police Pensions addition the Treatment Centres intend to offer commutation factors have been published Regulations. GAD is obliged to pay any tax their services to other police employees and effective from December 2001 and December due, and to pay interest, following the Milne volunteers who would be required to make a 2004. Administrators are identifying those determination. If the Home Office refused to regular donation. affected by this decision and are in the process pay without a discharge it would be in breach of writing to them. of the Regulations; if GAD refused to pay It is clear to me that the charities have little without a discharge, the Ombudsman would enthusiasm for treating retired officers but We have written to Government on a number force it to pay. That would take time however, equally I am sure that they will lose a significant of issues around the payment of outstanding and interest is only running at bank base rate. amount of goodwill as a result of their action. money owed to members as a result of this If the discharge letters are acceptable, there If you feel strongly about either of these decision including timescale for payment and is no harm in signing them and getting earlier decisions you could contact the Trustees the content of the payment offer letter.
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